Mortgage free by my own merit

OhtobeMortgageFree · 9 October 2019 at 6:56AM

Did some tilly tallying and overpaid by £10. Every little helps!

OhtobeMortgageFree · 9 October 2019 at 11:43PM

£104 household shopping bill (fortnightly with a lot of freezer/meat items included) reduced to £81 this evening. Staff discount and then if I buy yellow sticker items after 9pm I get them for free too. Winning!

beanielou · 10 October 2019 at 9:35AM

That’s great:)

OhtobeMortgageFree · 17 October 2019 at 3:00AM

I've just agreed to 15 extra nightshifts between the start of November and Christmas to bump up the income. Nine extra shifts in November and six in December. I get just under £100 per shift so will definitely be able to add to the overpayment pot again soon.
I've still got two more overtime nights left this month.
I've got two weeks of four nights I've taken on. May not sound a lot to some people but alongside other jobs I also have my three year old during the day so I'm going to need to be really strict and creative with my sleeping schedule!

OhtobeMortgageFree · 11 July 2020 at 1:15PM

Reviving my diary with an update on my mortgage overpayment journey.
So, my freelance work dried up almost instantly at the start of the pandemic. I lost a couple of regular contracts I had with some small businesses. I also obviously lost my gig marking GCSE coursework this Summer.
I finished at my supermarket job back in January but picked up the phone at the start of March and asked for my job back through the pandemic. Luckily I left on great terms and my boss was more than happy to give me my job back. I'm now back working four nights a week again, which has been challenging whilst looking after my toddler during the day as nursery closed. We're surviving though!!!

OhtobeMortgageFree · 11 July 2020 at 2:29PM

Here is our updated spending:
Husband salary: £2223
Supermarket wage: £1410
Child allowance: £80.40
Client L: £15
Total income: £3728.40

My husband keeps back a little money from his salary each month to pay for his phone bill and football programs, etc so this isn't included in this total.

Monthly outgoings:
Mortgage - £685
Council tax - £141
Water - £41
Gas/Electric - £70
Phone/internet bill - £61.50
Mobile contract - £36
Nieces/nephew money - £35 (we put away £1 each week into savings for them each)
Home Insurance - £30
Netflix - £9
Contact lenses - £10
Nursery - £20
Car insurance - £48
Car tax - £32
MOT - £80
AA - £13
TV licence - £12
Cat jabs - £3
Running club membership - £3
Total fixed costs: £1329.50

Food/household shopping - £280
Petrol - £150
Gifts - £60
Total outgoings: £1819.50

beanielou · 11 July 2020 at 4:35PM

That’s amazing to have nearly 2k a month left. 😀

OhtobeMortgageFree · 15 November 2023 at 8:21PM

I'm back!
Life is very different now. I've spent the last two years working as a TA/Teacher, but I've slowly been chipping away at the mortgage and no longer do we owe £140,000, but I've actually managed to get the total down to £67,272 which I am so chuffed with as things have been tough for us the past few years.
In September I began working on my own events company business full time. I'm yet to draw a wage but will be visiting the accountant next Wednesday to get myself set up on a payroll system.